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During a bank robbery, Fraser and Ray are trapped in a time-locked, water-filled vault. After Ray is declared dead due to a mix-up with the insurance company, Fraser and Ray go to Ray's bank, where the end up in the middle of a robbery, running into someone they've met before...Morgan. Fraser and Ray lock themselves in the vault and Fraser sets off the sprinkler system, hoping to hit the criminals with a tidal wave of water. Meanwhile, Frannie is waiting in Ray's car outside, and enters the building, thereby becoming a hostage.